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Tata AIG Third Party Car Insurance

There are 2 types of car insurance policy - third party liability policy and comprehensive policy. Third party liability auto insurance policy is a mandatory requirement for being able to drive a car in India while it is optional to have a comprehensive cover. The Tata AIG third party provides coverage for any injury or damage caused to the third party and the third party property by the insured car. This policy takes care of all the financial and legal liabilities of the insured car. Thus, the Tata AIG third party car insurance policy helps in having stress-free riding experience.

Tata AIG Third Party Car Insurance vs Comprehensive Car Insurance Policy

Basis

Third Party Car Insurance

Comprehensive Car Insurance

Coverage

The policy gives protection against damage or loss arising in an unforeseen event like property damage, injury, death or disability to the third party. According to the Motor Vehicles Act 1988, it is a compulsion to hold this insurance policy.

This insurance cover gives compensation against damages to the policyholder’s car along with third party liabilities which can arise due to some unforeseen or unfortunate events.

Nature of Requirement

The third party car insurance cover holds no scope to include some add-on covers.

The comprehensive insurance policy comes with different add-on covers such as zero depreciation, engine cover, emergency assistance, and so on, which policyholders can include in the policy.

Add-ons Availability

This insurance policy is compulsory to own by various car owners in accordance with the Motor Vehicles Act, 1988.

This insurance plan is optional but highly recommended due to its extensive coverage where it offers coverage for third party liabilities as well as standalone own damage.

Cost

Third party insurance cover is available at economical prices due to its limited coverage.

Comprehensive insurance is available at expensive rates when compared to third party cover due to its extensive coverage.

What All Is Covered Under Tata AIG Third Party Car Insurance Plan?

The TATA AIG third party car insurance policy provides protection against the following:

  • Bodily injuries/death of the third party including passengers in the insured vehicle
  • Accidental damage to third party's property

What All Is Not Covered Under Tata AIG Third Party Car Insurance Plan?

Below are some important points which are not covered under the third party car insurance policy:

  • Third-party liabilities incurred outside India.
  • Accidental injuries to the policyholder (if you have not opted for personal accident cover).
  • Damages to insured vehicles include consequential losses, depreciation, wear and tear, electrical/mechanical failures and accidental damages. This also includes damages caused to the insured vehicle and its belongings due to theft, fire, etc.

Benefits of Buying Tata AIG Third-Party Car Insurance

Third-party car insurance is compulsory for every car owner. However, its coverage is limited, but it is very beneficial. Here are a few benefits of buying a Tata AIG third-party car insurance plan:

1. Offers Legal Compliance – The first and foremost importance of buying a third party car insurance from Tata AIG is the need for compliance with the law. One gets eased with legal and financial burdens by purchasing a third-party cover from the insurance company.

2. Easy To Purchase or Renew - To purchase or renew a third-party car insurance plan from the Tata AIG company is quite simple and swift. It allows its policyholders to purchase or renew the car insurance online which is time-saving and hassle-free. The plan can be bought or renewed by any person or at their convenience from this company.

3. Cost-Effectiveness - When it comes to third party car insurance policies, the Tata AIG company offers it at affordable rates without implementing any type of hidden charges online as well as offline.

Must Read Articles before buying Tata Aig Car Insurance

TATA AIG Car Insurance User Reviews

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What users are saying
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  • Own Damage
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  • Broken Window Repair

    While my car was parked in authorised parking, someone broke the window in an attempt to steal my bag from the car. Thankfully he could not steal my bag, and my window was replaced at a TATA AIG cashless garage in less than a couple of days. The quality of the window is impressive, the garage used an original piece to replace my window. Thanks to InsuranceDekho for suggesting TATA AIG based on their quick services.

    M
    By Maya Manchanda
    On: July 1, 2024
  • NCB Benefits

    I had TATA AIG car insurance for four years and was considering discontinuing it as I never took a claim. But then the NCB discount tempted me to continue and made me choose safety over risk. InsuranceDekho was the reason why I chose TATA AIG so kudos to the team as my car is insured for another year!

    S
    By Shivenendra Theratipally
    On: June 25, 2024
  • Responsive customer care

    I was struggling to endorse my policy as I was transferred to a different city, then I contacted the grievance redressal who helped me very effectively and I got my new policy documents in a few days following that. It was very helpful as I was caught up with many other things as well. Glad that I took assistance from InsuranceDekho in the process as well as choosing TATA AIG.

    R
    By Rupali Sharma
    On: June 25, 2024
  • Roadside assistance

    I was stuck on the highway when my car stopped working and smoke came from the engine. I was worried but my roadside assistance add-on from TATA AIG saved my day. In about 30 minutes they sent help and towed my car to the nearest garage as well. My car was repaired at a cashless garage and it did not take much long as well. Really amazing service, thanks to InsuranceDekho for suggesting TATA AIG.

    S
    By Shanti Jha
    On: June 24, 2024
  • Reimbursement process

    I am very fond of TATA AIG Car insurance. I got my claim last week through the reimbursement process and it was very smooth. I got my car repaired at my personally trusted garage and got the reimbursement from the insurer without any trouble. Thanks to InsuranceDekho for suggesting TATA AIG.

    S
    By Shayra Sharma
    On: June 20, 2024
  • Great Home visit assistance

    I had never taken own damage insurance but recently I got myself a new SUV. The thought of any damage happening to it would not let me sleep. So I compared all insurer quotes on InsuranceDekho and chose to get home assistance. A very kind relationship manager paid a visit to my home and took me through the whole process. He gave me a feeling that this was a good decision and suggested continuing with TATA AIG due to the relatively low premium and extra services. I have been sleeping better since then :)

    A
    By Anjani Nikam
    On: June 10, 2024
  • Awesome Buying Experience

    Good experience while purchasing two-wheeler third-party insurance on the insurance dekho portal. All most all insurers are available.

    V
    By Vinit Bansal
    On: March 2, 2024
  • Customer-Centric Approach to T...

    InsuranceDekho's customer-centric approach extends to their Third-Party Car Insurance for my Chevrolet car. The Tata AIG Car Insurance Policy ensures that you understand the legal requirements and make the process hassle-free.

    By Vibhas Mahendru
    On: October 18, 2023
  • Convenient Payment Settlement

    Settling payments after repairs at a cashless garage with InsuranceDekho’s Tata AIG Car Insurance Policy is convenient for my Honda car. It's one less thing to worry about during a challenging situation.

    B
    By Brahmjot Singh
    On: October 16, 2023
  • Efficient Repairs and Assistan...

    In the unfortunate event of an accident of my Ford car, I knew that InsuranceDekho's comprehensive coverage will ensure efficient repairs and assistance. The Tata AIG Car Insurance Policy is a comforting safety net.

    By Nisar Ahmed
    On: October 12, 2023

191 Tata Aig Cashless Garages in India

TATA AIG Third Party Car Insurance FAQs

  • Why should I choose TATA AIG third party insurance policy?

    The TATA AIG third party insurance policy is an ideal choice because of the following reasons:

    • Impressive claim settlement ratio of 97%.

    • Quick and hassle-free renewal process
  • What are the documents required for buying TATA AIG third party policy?

    The following documents and details are required for buying the TATA AIG third party auto insurance policy:

    • Copy of vehicle’s Registration Certificate (RC)
    • Previous Auto Insurance Policy Number (if any)
    • Your contact details (phone no., email id and residential address)
    • Nominee details
  • How to buy TATA AIG third party car insurance online?

    You can visit our website by clicking here and compare the TATA AIG third party insurance against other third party auto insurance policies available in the country.

  • How much GST is charged on the purchase of an car insurance policy?

    A GST (Goods & Services Tax) of 18% is applicable on the purchase of a car insurance policy.

  • Can I opt for add-ons with the TATA AIG third party policy?

    No, the add-ons are available only with the TATA AIG comprehensive car insurance policy.

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#Applicable on non-inspection cases i.e. existing policy has not expired or when buying a policy for a new vehicle.